Saga Car Insurance
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Who are Saga?
Saga started out as a travel insurance company, but in the 1980s it expanded into home and car insurance and other financial services.
During the 1990s they started to offer private medical insurance and pet insurance, and also launched their own cruise ship operation.
They aim to “help customers lead the life they want to lead”, which is especially true for customers over the age of 50 looking to compare cheap car insurance cover. How do they do this? Saga considers customer feedback and aims to provide the right services that their customers need.
This has allowed Saga to become a leading insurance provider to those aged 50 and over. They’ve become one of the most recognised and trusted insurance brands in the UK.
Saga Insurance at a glance
- Saga are specialists in over-50s car insurance.
- They have UK-based call centres.
- Saga Car Insurance has a 5-star Defaqto rating for its car insurance offerings.
- They have more than 2.1 million customers as part of the Saga Group.
Saga Motor Insurance is underwritten by Saga Insurance Company Ltd. Saga Services Limited is a wholly-owned subsidiary of Saga Group Limited.
What Does Saga Car Insurance Cover?
Saga offers standard car insurance policies, that cover the following:
Saga Standard
- Uninsured driver promise – you will be covered even if an uninsured driver hits you.
- European cover – Get cover for up to 90 days when you drive in Europe.
Saga Select
- No-claims discount protection – Protect your no-claims discount against two fault claims over the course of three years.
- Vandalism promise – You retain your no-claims discount if you claim for vandalism.
- Misfuelling – Covers repairs if you fill your car with the wrong fuel.
- European cover – unlimited cover when travelling in Europe.
Saga Plus
- Key cover – Covers the repair or replacement of your car key (up to £2,500 per claim).
- Three-year fixed price – Your premium stays the same for three years.
- Claims promise – Your no-claims discount won’t be affected by theft, fire, flood or animal damage, or if your car is hit by another car while parked.
- Onward taxi travel – You will receive a taxi to take you to your destination in the UK if you’re car is too damaged to drive following an accident.
- Legal protection – Receive money to recover uninsured losses.
- Medical expenses – Receive private medical treatment if you are injured in an accident in the UK.
What Are The Types of Saga Car Insurance?
Saga offers several different types of car insurance policies for all kinds of customers, including:
- Standard car insurance
- Multi-car insurance
- Electric car insurance
- Temporary car insurance
What Are The Levels Of Saga Car Insurance?
Saga offers the following levels of car insurance cover for UK drivers aged 50 and over:
Third-party only
Third-party only (TPO) is their most basic level of cover. If you’re involved in an accident, Saga will pay out to the involved third party if you are at fault, although you will not be compensated for any damage to your own vehicle.
Third-party, fire and theft
With third-party, fire and theft (TPFT), you’ll receive compensation if your vehicle is damaged by fire and theft, but you will not be covered if you are involved in an accident. Again, if you’re at fault, Saga will pay out to the third party.
Comprehensive cover
Comprehensive car insurance has a number of added benefits, which could include personal belongings and a courtesy car. Please check Saga’s website for full details.
Customers who select comprehensive cover may receive added benefits depending on the level of insurance purchased such as:
- A courtesy car while your vehicle is being repaired in the UK – up to a maximum of 14 days
- Cover when driving in the EU
- A no-claims discount
Are There Optional Extras I Can Add To Saga’s Car Insurance Policies?
As with any car insurance provider, you can add extras to your Saga car insurance policy. This is especially useful if you have TPO cover and want added protection.
Some add-ons to Saga car insurance include:
- Onward travel
- Private medical treatment subject to eligibility
- Legal protection
- Breakdown cover
- Windscreen cover
How Much Does Saga Car Insurance Cost?
The price of your Saga car insurance will depend on which policy you take out, but it can cost between £1,100 to just over £2,000.
What influences the cost of car insurance from Saga?
- Driving history and claims history
- Level of cover
- Type of policy (Standard, Select or Plus)
- Your location in the UK
- Driver age
- Type of vehicle you drive
How Can I Get Cheaper Saga Car Insurance Rates?
You can reduce your Saga car insurance premiums by:
- Limit how much you drive
- Don’t get add-ons you don’t need
- Ensure your car is secure
- Bundle different insurance policies from Saga
- Pay annually
Does Saga Have Good Reviews?
Saga is one of the UK’s leading providers of over 50s car insurance. And the ratings speak for themselves:
- Defaqto awarded Saga car insurance a 5-star rating.
- Trustpilot star rating of 4.1 out of 5, labelled ‘Great’, based on over 38,000 reviews. Note: Trustpilot’s score is based on customer reviews and is a combined score for all their insurance products.
- Reviews.io rating of 3.7 out of 5, based on over 1,300 customer reviews. 68% of reviewers recommend Saga.
How To Compare Saga Car Insurance Quotes With SimplyQuote?
Comparing quotes with SimplyQuote couldn’t be easier:
- Fill in the form: Provide us with your personal information.
- Select policy: Choose your level of cover and any add-ons you want.
- Compare quotes: Compare different offerings to find the best deal.
- Save money: Start saving today!
Frequently Asked Questions
If you would like to contact Saga, you can do so by using the following methods:
Call: 0800 302 9735
Opening hours: 8:30-20:00 Mon-Fri and Bank Holidays; 8:30-17:00 Sat; 9:00-17:00 Sun
Email Saga at: motor.insurance@saga.co.uk
Visit Saga’s website at: https://www.saga.co.uk/insurance/car-insurance
Yes, Saga offers temporary car insurance cover, subject to their acceptance criteria.
You can add a temporary driver or vehicle to your policy for up to 28 days. The additional vehicle must be legally owned. Additional drivers can also be added on a permanent basis if this is more suitable.
If you need to cancel your Saga insurance policy, please contact them on 0800 056 9167.
You have the option to cancel your Saga car insurance policy at any time.
The company will charge you a £50 cancellation fee if you decide to cancel your policy. If you cancel within 14 days, there is no cancellation fee applicable.
This arrangement fee is non-refundable if your cover has already started.